I have a Great Dane, who tore his acl. This is a very expensive surgery. Luckily I had pet insurance with Embrace. But this was my first time making a claim and I had my doubts about getting my money. And at first there was a little confusion in regards to my dogs medical records (they want to see everything in his file including shot records, I orginally just sent stuff pertaining to the injury). But after I got everything sent, I received a check very quickly. I do want to add that I did call a few times to see what the hold up was, and the people I talked with were extremely nice. So the question is am I satisfied? Nice people and I got my money, so yes I am!!!!